You bought a home that doesn’t sit in a flood zone, but when FEMA updated its flood maps, you received notice that you do own a home in a flood zone. Here’s how to handle that problem.
Shell Insurance Agency knows that your Deer Park, TX home means a lot to you. That’s why you insure it. When you purchased your home, it may not have appeared in a flood zone on any map. However, the Federal Emergency Management Agency (FEMA) conducts regular research in the area of floods and updates the US flood maps accordingly. Your community can also decide to re-visit the flood maps and update the flood zones.
FEMA and Community Agencies Can Re-map
When the agency updates the flood maps for Deer Park, it can result in your home and others moving into a flood zone that requires federal flood insurance. Typically, this occurs due to a flood or series of flash floods striking the area.
Re-mapping causes homeowners who previously did not need to purchase flood insurance to need to do so. The Agency requires this to ensure that each homeowner can repair or rebuild after a flood, since homeowners’ insurance does not cover flood or rising water damage.
Updating Your Insurance Coverage
While it’s rare that this occurs, it can happen. Shell Insurance Agency can help you obtain flood insurance locally. Our insurance policies meet the requirements of the National Flood Insurance Program (NFIP), which works in conjunction with FEMA.
Let us help you properly insure your Deer Park, TX home against flood. Contact us if you find that either FEMA or your community updated the flood map for Deer Park and your home or business now falls within a flood zone that requires coverage.